Self-assessment tools for thinking through your situation.
Substantive tools, not lead-capture forms. Each tool gives you a real number or a real assessment based on what you enter — no email required, no follow-up unless you request it. Use them to inform your own thinking, or bring the results into a consultation.
Life Insurance Needs Calculator
Estimate the coverage amount that matches your specific income, debt, and dependent situation. Income-replacement methodology.
Disability Income Gap Calculator
For high earners: estimate the gap between what your employer's group LTD will actually pay and what your real income protection needs are.
Long-Term Care Cost Estimator
Estimate the potential cost of long-term care based on your age, location, and care preferences. Useful for thinking about how the risk should be addressed.
Is Indexed Universal Life Right for Me?
A self-assessment for high earners considering IUL. Identifies whether your situation genuinely fits the product — or whether it does not.
Is an Annuity Right for Me?
A self-assessment to help determine whether an annuity has a genuine role in your retirement income plan, or whether other options serve better.
Want to discuss your results?
The tools are educational; the consultation is where the work actually gets done. A first conversation is at no cost.
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